Kotak Mahindra Bank Ltd. Q2 FY2025 results: revenue ₹16,427 crore, up 19.8% on the year
Kotak Mahindra Bank Ltd. (KOTAKBANK) reported consolidated interest earned of ₹16,427 crore for Q2 FY2025, the quarter ended 30 September 2024, up 19.8% on the same quarter a year earlier. Profit after tax was ₹5,044 crore, up 13.1% on the year, and earnings per share ₹25.37. The figures are the company's own, from the unaudited results it filed with NSE on 19 October 2024.
The quarter, against the one before and a year earlier
| Line | Q2 FY2025 | Q1 FY2025 | Q2 FY2024 | Change on the year |
|---|---|---|---|---|
| Interest earned | 16,427 | 15,837 | 13,717 | +19.8% |
| Interest expended | 7,139 | 6,805 | 5,536 | +29.0% |
| Other income | 10,453 | 9,239 | 7,843 | +33.3% |
| Total income | 26,880 | 25,076 | 21,560 | +24.7% |
| Provisions other than tax | 890 | 774 | 455 | +95.8% |
| Profit before tax | 6,647 | 9,811 | 5,888 | +12.9% |
| Profit after tax | 5,044 | 7,448 | 4,461 | +13.1% |
| Gross NPA % | 0.5% | 0.4% | 0.4% | |
| Net NPA % | 1.5% | 1.4% | 1.7% | |
| Capital adequacy ratio % | n/a | 0.9% | 0.1% | |
| EPS, basic | ₹25.37 | ₹37.47 | ₹22.45 | +13.0% |
₹ crore except per share.
Quarterly results, the last 12 quarters
| Q2 FY2024 | Q3 FY2024 | Q4 FY2024 | Q1 FY2025 | Q2 FY2025 | Q3 FY2025 | Q4 FY2025 | Q1 FY2026 | Q2 FY2026 | Q3 FY2026 | Q4 FY2026 | Q1 FY2027 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest earned | 13,717 | 14,495 | 15,156 | 15,837 | 16,427 | 16,633 | 16,772 | 17,248 | 17,199 | 17,507 | 17,827 | 18,355 |
| Interest expended | 5,536 | 5,985 | 6,212 | 6,805 | 7,139 | 7,171 | 7,160 | 7,529 | 7,333 | 7,384 | 7,376 | 7,703 |
| Other income | 7,843 | 9,588 | 12,751 | 9,239 | 10,453 | 7,313 | 10,402 | 9,456 | 7,703 | 10,344 | 10,280 | 11,714 |
| Operating expenses | 9,681 | 11,822 | 14,478 | 11,489 | 12,204 | 9,541 | 12,523 | 11,800 | 10,552 | 12,993 | 13,071 | 14,092 |
| Operating profit before provisions | n/a | n/a | n/a | n/a | n/a | n/a | 7,491 | 7,375 | 7,017 | 7,473 | 7,661 | 8,274 |
| Provisions | 455 | 662 | 442 | 774 | 890 | 1,054 | 1,140 | 1,321 | 1,054 | 940 | 585 | 765 |
| Profit before tax | 5,888 | 5,614 | 6,775 | 9,811 | 6,647 | 6,180 | 6,351 | 6,053 | 5,963 | 6,533 | 7,443 | 7,509 |
| Tax | 1,465 | 1,411 | 1,533 | 2,412 | 1,649 | 1,540 | 1,442 | 1,624 | 1,517 | 1,629 | 2,042 | 2,022 |
| Net profit | 4,461 | 4,265 | 5,337 | 7,448 | 5,044 | 4,701 | 4,909 | 4,429 | 4,446 | 4,904 | 5,402 | 5,487 |
| EPS in ₹ | ₹22.45 | ₹21.46 | ₹26.66 | ₹37.47 | ₹25.37 | ₹23.64 | ₹24.81 | ₹22.49 | ₹22.47 | ₹4.95 | ₹5.45 | ₹5.51 |
| Gross NPA % | 0.39 | 0.36 | 0.36 | 0.38 | 0.45 | 0.44 | 1.45 | 1.50 | n/a | 1.33 | 1.23 | 1.21 |
| Net NPA % | 1.69 | 1.68 | 1.38 | 1.39 | 1.48 | 1.51 | 0.36 | 0.39 | n/a | 0.36 | 0.31 | 0.31 |
| Filing | NSE | NSE | NSE | NSE | NSE | NSE | Filing | Filing | Filing | Filing | Filing | Filing |
₹ crore except per share, consolidated, as filed with the exchange. Quarters before December 2024 are from the exchange's earlier results feed, which carries the filed lines without the filing itself; the column links to the exchange's page for the company. EPS is as filed for each quarter. A split or a bonus issue changes the share count, so quarters before it are on the old count.
Source
Unaudited consolidated results for the quarter ended 30 September 2024, filed with NSE on 19 October 2024: the result statement. All of Kotak Mahindra Bank Ltd.'s results: NSE company page.
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